Natural hazards · Highwood

Highwood, MT natural hazards

Most of the natural-hazard damage FEMA expects in Highwood comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Highwood?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Highwood to be higher than in 26% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves39%Avalanches9%Everything else10%

By hazard

What Highwood faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

43% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 4 years in the area

Cold waves

39% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 9 times a year in the area

Avalanches

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 30 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Highwood flood?

FEMA's records show no paid flood insurance claims in Highwood.

of all homes
are insured

No community discount. Highwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Chouteau County.

Disasters that hit Highwood

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Highwood itself: aid to households, or repair grants to Highwood.

Brought FEMA money into HighwoodDeclared for Chouteau County only

2011

Severe Storms and Flooding

1 household applied for aid

Chouteau County has had 8 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Highwood is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Highwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to Highwood. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.